that is what makes america great. nothing is more important to that process than what we are doing in terms of k-12 education and higher education. here is the challenge. at the time when higher education has never been more important, and i mean two-year, four year, techno will colleges -- technical colleges, it doesn't have to be all traditional bachelor of arts or sciences. at a time when that has never been more important, college has never been more expensive. in fact, what you have seen is that over the last decades, the cost of higher education has gone up 250% at a time when family incomes have gone up about 16%. i am not a math major there it there are probably some here. if you have one line going up 260% and another line going up 16%, you start getting a bigger and bigger gap. what has happened as a consequence is that either colleges become out of reach for too many people or young people are being loaded up with more debt. we have tried to close that gap. when i came into office, we reformed our financial